Home Healthcare Liability Insurance

Liability insurance is essential for home healthcare providers because they deliver medical and non-medical services in a patient’s home, >which comes with unique risks.

Home Healthcare providers are responsible for patient care in less controlled environments than hospitals or clinics, where equipment, assistance, and supervision may be limited. If a home healthcare provider causes injury, neglect, or mismanages a patient’s care, they could face costly lawsuits for negligence or malpractice.

Liability insurance covers legal defense fees, settlements, and any judgments, protecting providers from the financial risks associated with legal claims.

Liability Insurance for Home Healthcare can include:

Bodily Injury Coverage
Property Damage Coverage
Premises Liability including slips, trips, and falls
Completed Operations Coverage
Personal and Advertising Injury including Defamation (slander or libel)
Medical Payments Coverage
Legal Defense Costs
Legal defense expenses covered in addition to liability limits
Abuse and Molestation (SAM) Coverage (limited coverage)

Why do Home Healthcare Providers need Liability Insurance?

Liability insurance is essential for home healthcare providers to help you with challenges unique to your sector, including:

Professional Liability: Home healthcare providers, including nurses, aides, and therapists, may face claims of malpractice or negligence while providing care in patients’ homes.
Regulatory Compliance: Home healthcare providers must comply with various federal, state, and local regulations, including licensure, certification, and patient privacy requirements. Non-compliance can lead to penalties and legal action.
Infection Control and Health Hazards: Home healthcare providers may encounter infectious diseases and other health hazards while providing care in patients’ homes.
Data Security and Privacy: Home healthcare providers handle sensitive patient information, making them vulnerable to data breaches and cyber risks.
Personal Safety Risks: Home healthcare providers face personal safety risks while providing care in patients’ homes, such as potential encounters with hostile family members or dangerous environments.
Recruiting and Retention Challenges: Home healthcare providers may struggle with recruiting and retaining qualified staff due to the demanding nature of the work.

Westwood Insurance Group will source the most suitable liability insurance coverage for you, from the different insurers we work with at the best price. Contact us now for a no-obligation quote